Income Items   •  Federal tax returns (1040's) for the last two years, if:       • You are self-employed o earn more than 25% of your income from          commissions or bonuses       • Own rental property       • In a career where you are likely to take non-reimbursed business          expenses   •  Year-to-Date Profit and Loss Statement (for self employed)   •  Corporate or Partnership tax returns (if applicable)   •  Pension Award letter (for retired individuals)   •  Social Security Award letters (for those on Social Security)   •  Most recent 30 day pays stubs.       Regular Loans   •  Credit report   •  Name, address, and all income earned from all employers for the       past two years   •  List of employers for the past 2 years.   •  List of assets include address, type of account, account numbers,       balances.   •  Homeowners Insurance Information (name and phone number of       agent)   •  Last 2 years’ W-2 forms.   •  Last three months bank statements (all pages of statements).   •  Current mortgage company name, address, phone numbers and       account numbers (Purchase n/a)   •  Copy of Driver's License or photo ID and social security number.   •  List of all open credit accounts:        • Charge accounts        • Car loans (include account numbers, payment amounts, and           balances) Asset Items   •  Statements for two months on all stocks, mutual funds, bonds.   •  Checking or savings information.   •  Copy of latest 401K statement (or other retirement assets)   •  Explanations for any large deposits and source of those funds   •  Copy of HUD1 Settlement Statement on recent sales of homes       (see glossary for HUD1)   •  Copy of Estimated HUD1 Settlement Statement if a previous home is       for sale,but not yet closed Credit Items   •  Landlord's name, address, and phone number (for verification of       rental, if you currently rent)   •  Explanations for any of the following items which may appear on your       credit report:        • Late payments        • Credit inquiries in the last 90 days        • Charge-offs        • Collections        • Judgments        • Liens   •  Copy of bankruptcy papers if a bankruptcy shows up on your credit       report or if you have filed bankruptcy within the last seven years VA Loans   •  Copy of DD214 - If you were in the military, you undoubtedly know       what this is because when you get out of the service they constantly       remind you to never ever lose this form.         o For those that were not in the military, it is basically a one-page            summary of an entire military career, including test scores,            important dates, awards, and other military data.   2nd Mortgages / Home Equity Loans   •  Copy of your first mortgage note   •  Address of properties and current market value.   •  Any debt owed on properties; Lender's name, address, account       number, monthly payment, and current balance.   •  Copy of previous two years Federal Income Tax Returns with all       schedules.   •  If rented, copy of lease.   •  Copy of current Property Deed   •  Copy of Homeowner’s Insurance declaration page(s) Self Employed/Commissioned Pay   •  Previous two years Federal Income Tax Returns with all schedules       and a year-to-date profit and loss statement. Other Miscellaneous   •  Copy of purchase agreement (if you have already made an offer)   •  Document receipt of child support (if you desire to show it as income)   •  Copy of divorce settlement (to show the amount)   •  Gift letter (if some of the funds come as a gift from a family member)   •  If you have filed bankruptcy within the last seven years, Copy of       petition and discharge and a handwritten explanation of reason for       bankruptcy.